# Financial advisors for retirement planning in San Antonio, Texas > For retirement planning in San Antonio, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include January Smith of Janus Financial Planning, LLC, Christopher Reddick of Chris Reddick Financial Planning and Scott Leavitt of Financial Life Advisors. Page: https://find.wellspent.co/specialties/retirement-planning/texas/san-antonio/ 33 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to about retirement planning in San Antonio? For retirement planning in San Antonio, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include January Smith of Janus Financial Planning, LLC, Christopher Reddick of Chris Reddick Financial Planning and Scott Leavitt of Financial Life Advisors. - [January Smith](https://find.wellspent.co/advisors/january-smith/), Janus Financial Planning, LLC, San Antonio City. Holds the CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee. - [Christopher Reddick](https://find.wellspent.co/advisors/christopher-reddick/), Chris Reddick Financial Planning, San Antonio City. Holds the CFP and EA. Fees on file: subscription, one-time planning fee. - [Scott Leavitt](https://find.wellspent.co/advisors/scott-leavitt/), Financial Life Advisors, San Antonio City. Holds the CFP and CPA. Fees on file: percentage of assets, hourly. - [Heather Haas](https://find.wellspent.co/advisors/heather-haas/), Imperium Wealth Management, LLC, San Antonio City. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Kevin Rademacher](https://find.wellspent.co/advisors/kevin-rademacher/), Lifetime Financial Planners LLC, San Antonio City. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [Esmond Pabilona](https://find.wellspent.co/advisors/esmond-pabilona/), Wela Financial Advisory, San Antonio;. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. ## How many fee-only financial advisors in San Antonio work on retirement planning? The Wellspent public graph lists 33 fee-only advisors for retirement planning in San Antonio, at 17 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for retirement planning in San Antonio charge? The most common fee among fee-only advisors for retirement planning in San Antonio is a percentage of assets, used by 91% of the 33 with fees on file. Many use more than one: 42% charge by the hour and 33% charge a one-time planning fee. ## How much do fee-only financial advisors charge in San Antonio? Fee-only financial advisors in San Antonio charge a median of $1,500 a year for ongoing planning. We found this across the published prices of 6 San Antonio firms. ## How much does a one-time financial plan cost in San Antonio? A one-time financial plan from a fee-only firm in San Antonio has a median price of $1,250. We found this across the published prices of 6 San Antonio firms. ## What credentials should a financial advisor for retirement planning have? For retirement planning, look for the CFP, EA and CPA. In San Antonio, 33% of the 33 advisors listed hold the CFP. - CFP (33% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - EA (6% of advisors listed): Enrolled agents help with Roth conversions and withdrawal order. - CPA (3% of advisors listed): CPAs help with the tax side of withdrawals. ## How do San Antonio advisors for retirement planning compare with the rest of the US? 33% of fee-only advisors for retirement planning in San Antonio charge a one-time planning fee, compared with 12% of the 7,304 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Texas tax retirement income? No. Texas has no state income tax, so retirement account withdrawals and pensions aren't taxed at the state level. ## What should I ask a financial advisor about retirement planning in San Antonio? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - Would you plan differently if I might move to another state in retirement? ## How current is this list of fee-only advisors for retirement planning in San Antonio? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Christopher Reddick](https://find.wellspent.co/advisors/christopher-reddick.md) | Chris Reddick Financial Planning | San Antonio, Texas | CFP, EA | Subscription, One-time planning fee, Hourly | | [Kevin Rademacher](https://find.wellspent.co/advisors/kevin-rademacher.md) | Lifetime Financial Planners LLC | San Antonio, Texas | CFP, CRPC, MSFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Heather Haas](https://find.wellspent.co/advisors/heather-haas.md) | Imperium Wealth Management, LLC | San Antonio, Texas | CFP | Percentage of assets, Ongoing planning fee | | [Scott Leavitt](https://find.wellspent.co/advisors/scott-leavitt.md) | Financial Life Advisors | San Antonio, Texas | CFP, CPA | Percentage of assets, Hourly, One-time planning fee | | [January Smith](https://find.wellspent.co/advisors/january-smith.md) | Janus Financial Planning, LLC | San Antonio, Texas | CFP, EA | Flat fee or retainer, Ongoing planning fee | | [John Carr](https://find.wellspent.co/advisors/john-carr.md) | Carr Consulting P.A. | San Antonio, Texas | CFP | Percentage of assets, Fixed fees | | [Daniel King](https://find.wellspent.co/advisors/daniel-king.md) | S. Harris Financial Group | San Antonio, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Mitchell Byrum](https://find.wellspent.co/advisors/mitchell-byrum.md) | S. Harris Financial Group | San Antonio, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Samuel Haager](https://find.wellspent.co/advisors/samuel-haager.md) | S. Harris Financial Group | San Antonio, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Stephanie Harris](https://find.wellspent.co/advisors/stephanie-harris.md) | S. Harris Financial Group | San Antonio, Texas | CFP | Percentage of assets, Hourly, Fixed fees | | [Esmond Pabilona](https://find.wellspent.co/advisors/esmond-pabilona.md) | Wela Financial Advisory | San Antonio;, Texas | CFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Nam Phan](https://find.wellspent.co/advisors/nam-phan.md) | Phan Capital Management | San Antonio, Texas | | Ongoing planning fee, Percentage of assets, One-time planning fee | | [Austin Miller](https://find.wellspent.co/advisors/austin-miller.md) | Teamwork Financial Group | San Antonio, Texas | | Percentage of assets | | [Clay Rogers](https://find.wellspent.co/advisors/clay-rogers.md) | Teamwork Financial Group | San Antonio, Texas | | Percentage of assets | | [Diana Jordan](https://find.wellspent.co/advisors/diana-jordan.md) | Teamwork Financial Group | San Antonio, Texas | | Percentage of assets | | [Douglas Moe](https://find.wellspent.co/advisors/douglas-moe.md) | Teamwork Financial Group | San Antonio, Texas | | Percentage of assets | | [Gary Harris](https://find.wellspent.co/advisors/gary-harris.md) | S. Harris Financial Group | San Antonio, Texas | | Percentage of assets, Hourly, Fixed fees | | [Gracelyn Snider](https://find.wellspent.co/advisors/gracelyn-snider.md) | S. Harris Financial Group | San Antonio, Texas | | Percentage of assets, Hourly, Fixed fees | | [Khristopher Torres](https://find.wellspent.co/advisors/khristopher-torres.md) | RiversEdge Advisors | San Antonio, Texas | | Percentage of assets, Hourly, Fixed fees | | [Madison Moe](https://find.wellspent.co/advisors/madison-moe.md) | Teamwork Financial Group | San Antonio, Texas | | Percentage of assets | | [Michael De Guzman](https://find.wellspent.co/advisors/michael-de-guzman.md) | Teamwork Financial Group | San Antonio, Texas | | Percentage of assets | | [Michael Taylor](https://find.wellspent.co/advisors/michael-taylor.md) | The Financial Rules Consulting | SAN ANTONIO, Texas | | Flat fee or retainer, Hourly | | [Shannon Schulz](https://find.wellspent.co/advisors/shannon-schulz.md) | S. Harris Financial Group | San Antonio, Texas | | Percentage of assets, Hourly, Fixed fees | | [Zachary Willie](https://find.wellspent.co/advisors/zachary-willie.md) | Oakridge Financial Planning (OFP) | San Antonio, Texas | | Ongoing planning fee, One-time planning fee, Hourly, Percentage of assets | | [Anders Storvik](https://find.wellspent.co/advisors/anders-storvik.md) | Wela Financial Advisory | San Antonio, Texas | | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Elizabeth Alamillo](https://find.wellspent.co/advisors/elizabeth-alamillo.md) | Wela Financial Advisory | San Antonio, Texas | | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Rachel Gurinsky](https://find.wellspent.co/advisors/rachel-gurinsky.md) | Wela Financial Advisory | San Antonio, Texas | | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Taylor Chamness](https://find.wellspent.co/advisors/taylor-chamness.md) | Wela Financial Advisory | San Antonio, Texas | | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Thomas Coy](https://find.wellspent.co/advisors/thomas-coy.md) | Wela Financial Advisory | San Antonio, Texas | | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Bryce Chandler](https://find.wellspent.co/advisors/bryce-chandler.md) | Bentwood Investment Advisory | San Antonio, Texas | | Percentage of assets, Hourly | | [John Hall](https://find.wellspent.co/advisors/john-hall-7965978.md) | J.W. Hall Financial | San Antonio, Texas | | Percentage of assets | | [Kristopher Gallow](https://find.wellspent.co/advisors/kristopher-gallow.md) | Ghost Strategies | San Antonio, Texas | | Percentage of assets, Hourly, Fixed fees | | [Mark Muecke](https://find.wellspent.co/advisors/mark-muecke.md) | Mark Muecke Capital Management | San Antonio, Texas | | Percentage of assets | ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).